Sams club take credit cards

Sam’s Club Taking Visa Credit Card Payments from February

Sams club take credit cardsAn announcement has been made by Wal-Mart Stores Inc. and credit card payment giant Visa confirming that Sam’s Club will accepting Visa credit card payments starting from the beginning of February. Sam’s Club, which is the eighth largest retailer in the United States is part of Wal-Mart Inc. and has more than 650 clubs across America and Puerto Rico. The announcement about the agreement was made by Wal-Mart and Visa last week and everything is set for Sam’s Club to start taking Visa credit card payments from 1st February 2016.

Although Sam’s Club does already accept Visa credit cards at its gas stations in America as well as online, its clubs currently only take payment via Visa debit card or prepayment cards, which is something that limits customers who want to use credit products. In addition to its plans to now accept Visa credit card payments at its clubs it has also been announced that consumers will be able to benefit from using Visa Checkout online with Sam’s Club.

Giving consumers more choice

The move to start accepting Visa credit card payments will enable consumers who are shopping at Sam’s Club locations to benefit from greater ease and convenience when it comes to making payments. An executive from the company, Tracey Brown, stated that Sam’s Club was eager to do more to benefit members, which included providing them with more options when it came to payment methods that would be accepted.

Brown added that the company also wanted to enhance the value of being a member, and this was one of the ways in which it hoped to achieve this goal. She stated that by enabling members to use Visa credit cards from February the company was able to provide them with more choice, more ways to shop, and a greater level of convenience.

An executive from credit card payment company Visa also spoke about the agreement with Sam’s Club. Ramon Martin, who is the senior vice president for merchant solutions at Visa said that the service provider was delighted to be entering into the agreement with Sam’s Club. He added that Visa was keen to ensure that payments were speedy, secure and simple for all cardholders whether they were shopping via the internet or in person. Visa, which is a global service provider, now operates in more than two hundred countries and territories around the world.

GE Capital Retail Bank - Sam's Club Advantage Member Credit Card Reviews

Sams club take credit cards

Sams club take credit cards

(based on 4 reviews)

of respondents would recommend this to a friend.

Reviewed by 4 customers

Comments about GE Capital Retail Bank - Sam's Club Advantage Member Credit Card :

I like having my GE Capital Retail Bank - Sam's Club Advantage Member Credit Card for shopping in my local Sam's Club. My credit is not the best, but I was approved for this card, so I believe it is an easier to obtain card since it can only be used for purchases in Sam's Club as well as Wal-Mart. Sam's Club does not take Visa, which is the credit card I carry and I do not always carry cash with me, so using the GE Capital Retail Bank - Sam's Club Advantage Member Credit Card. This card can also be used when purchasing gas at the Sam's Club gas station (they do not accept Visa at the gas station either). I have found the interest rate to be higher than some, 14.99% so I suggest paying your balance in full each month, or as much as possible, to avoid high interest fees. There is no annual fee for the GE Capital Retail Bank - Sam's Club Advantage Member Credit Card, which is important to me as I do not want to pay extra for the service. Overall, for the convenience, I recommend the GE Capital Retail Bank - Sam's Club Advantage Member Credit Card to anyone who shops at Sam's Club.

Bottom Line Yes, I would recommend this to a friend

Was this review helpful? Yes / No

Great for Shopping

Comments about GE Capital Retail Bank - Sam's Club Advantage Member Credit Card :

I love having this credit card! Years ago, Sam's did not take any credit cards that I owned, so I always had to make sure I had enough cash with me to do my shopping. And you know that when you go to Sam's Club, you always end up buying more than what is on your list. With this card, I am able to purchase whatever I need while at the store without having to count $ while shopping. I can even fill my tank at their gas pumps without having to use my membership card and a credit card. With this, you don't need two cards at the pump. I've never had any problems using this card in the store. Billing statements are easy to read and are always mailed to me with more than enough time to pay my bill in a timely manner. Interest rates are high, so make sure to pay you bill in full whenever you use it.

I'll give this card a 10 only because I've never encountered any problems since beginning to use it.

All credit cards have high interest rates and this one is no different. I always make sure to pay my balance in full whenever I use it so it does not cost me anything to have.

Bottom Line Yes, I would recommend this to a friend

Was this review helpful? Yes / No

( 3 of 3 customers found this review helpful)

Sams club consumer credit sucks.

from Chipley, FL

Comments about GE Capital Retail Bank - Sam's Club Advantage Member Credit Card :

I applied for and recieved the SAms Club Consumer Credit card over a year ago. While I enjoy the convenience of having this, and being able to use it at both Walmart and Sam's Club, the credit card company itself sucks. I had it for over a year, at a 300.oo credit limit, paid on time every month, paying more than the minimum balance every month, with no missed payments, then out of the blue, I get a notice saying that my credit limit has been reduced, based "on information contained in my consumer credit file". When I called the company to find out about this, was told that they periodically review consumer credit files, no matter your history with them, and may lower or reduce credit limits absed on what they find. I find this to be totally unfair since, limit decrease or increase should be based on your history with their particular card. When I talked to a customer service rep, there was no leeway.

Bottom Line No, I would not recommend this to a friend

( 3 of 3 customers found this review helpful)

Was this review helpful? Yes / No

( 9 of 9 customers found this review helpful)

Don't Play it Again, Sam

from Houston, TX

Comments about GE Capital Retail Bank - Sam's Club Advantage Member Credit Card :

Sam's Club is a popular place for shoppers looking for bargains and, like other warehouse clubs, it is known for offering some very good deals on bulk purchases. However, Sam's Club is somewhat limited in its methods for payment and one of the options it promotes for payment is the **Sam's Club Advantage Member Credit Card.** Is this card worth consideration? Let's take a look:**Credit Commentary:** Sam's Club Advantage Member Credit Card is a store credit card and it offers benefits similar to those that you get when you use other store- brand credit cards, like no annual fee, automatic renewal, etc. It also makes annual renewal easy and convenient because your annual Sam's Club dues will post automatically to your Sam's Club Advantage Member Credit Card account each year. Other benefits of the Sam's Club Advantage Member Credit Card include its fraud liability protection in case your card is lost or stolen and the use of the Sam's Club Advantage Member Credit Card as your Sam's Club member card. This makes shopping a little more convenient because you don't have to carry both cards in your pocketbook. This credit card can also be used in Wal- Mart stores, so it is good for those who frequently visit this large retail operation.

Bottom Line Yes, I would recommend this to a friend

( 9 of 9 customers found this review helpful) – Sam’s Club Mastercard

March 17, 2015 By admin

  1. Apply for the new and improved Sam’s Club MasterCard
  2. Customer who already have the card can manage credit cards online, request a credit line increase, pay a bill, view recent activity or contact Synchrony

The Sam’s Club card offers bonuses in a 5/3/1 format… 5% cash back on gas purchases, 3% back on travel/dining out and 1% cash back on all other qualifying purchases.

From the Sam’s Club Credit website:

“Sam’s Club MasterCard cardholders are eligible to earn cash back rewards on purchases made with their Sam’s Club MasterCard account. Rewards apply to net card purchases (minus returns). Rewards percentages depend on the type of purchase made (5% for gas purchases at U.S. and Puerto Rico Sam’s Club and Walmart fuel stations, and at Gas Stations located in the U.S. and Puerto Rico (but excluding purchases at fuel stations at wholesale clubs (other than Sam’s Club), certain supercenters, and supermarkets), for up to the first $6,000 in gas purchases each year and 1% thereafter; 3% for dining and travel purchases (excluding purchases at wholesale clubs other than Sam’s Club) and 1% for all other Eligible Purchases).” – Sam’s Club MasterCard is issued by Synchrony Bank

Sam’s Club Credit MasterCard Notes

  • The card holder is not allowed to earn more than $5000 in cash back per year
  • New card holders will receive a $20 Sam’s Club credit upon opening a new account
  • To qualify for the $20 credit bonus customers are required to spend at least $50 at Sam’s Club on one visit the same day the account is opened
  • Any questions about the Sam’s Club credit cardcan be directed to (800) 964-1917 or Sam’s Club Credit, P.O. Box 965004 Orlando, FL 32896-5004

  • Owned and operated by Wal-Mart
  • Top 10 US retailer
  • Founded in 1983

Sam’s caters to consumers who like to save a few dollars through buying in bulk. For example a pack of 50 pork steaks will always be cheaper than buying 3 pork steaks and this is what Sam’s takes advantage of. Buying selling products in bulk they attract the penny pinching consumer who has a lot of food storage space.

All You Need to Know About the Sam’s Club Amex Offer – Q&A

Once in a while we get an Amex Offer which is particularly worthwhile. Often these offers are targeted, such as the free $25 at Costco. We were lucky to get the recent free $20 at Sam’s Club offer which was available to all in the Amex login and via Twitter. This helps us get the offer on third-party Amex cards and on Serve/Bluebird. (It may also be possible to get Amex Offers directly in your Bluebird/Serve account as well.)

We decided to lay out in Q-A format everything you need to know about it, being that this offer is literally free money. There are also additional complications in using this offer which we’ll discuss in this post.

Can I get the offer credit by shopping in a Sams Club store?

No, it only valid at You can, however, buy a Sams gift card online and then use it in-store. More on that below.

Can I order something online and pickup in-club so as to save the shipping fee?

Based on the Terms of the offer, if you pay for the order online it would work. In practice, however, it’s reported that there’s no way to order/pay online and pick up in-club. In-club pickups are automatically paid for at the time of pickup.

How long do I have to use this offer?

Note that the charge has to post by that date. Be sure to order at least a few days before then to give time for the order to process. We wrote more about this here.

Are the credits posting automatically? Some people mentioned that their purchases are being coded as Photo which isn’t eligible for the offer credit?

Yes, we’ve written before that numerous reports are confirming that the offer credit is posting. While it’s initially coming up as Photo, it switches over to SamsClub and gets the offer credit. Some are not seeing the Photo to begin with, but all are seeing it ultimately post as SamsClub, without the Photo category.

Are gift cards working as well?

Yes, numerous reports indicate that third-party gift cards are working to trigger the offer credit. I personally got credits for Mastercard gift cards.

Note that since there’s nothing in the Terms that suggests that gift cards won’t work, you’ll be able to contact Amex if there’s a problem and have them apply the credit manually, see Amex Offer Credit Not Posting, What to Do?

Does the $20 fee include any shipping fees or other fees?

Yes. As always, so long as the final charge – the charge which shows on the credit card statement – is $20 it will be eligible for the credit.

I placed an order two days ago. Is there any way of telling if I’ll get the credit? I’m a little nervous.

Originally the typical ‘Congrats’ emails from Amex were not coming. That’s now been fixed and most people are getting the confirmation emails from Amex immediately when using the offer. These emails aren’t 100% reliable though; don’t worry much if the email doesn’t come.

Pro tip: If you check your Amex Offer tab in your online login, you’ll see a “Savings” tab which will show you all the Amex Offers you’ve saved with. It typically shows up in that tab a day before it actually posts to the account, which can help placate your nerves.

I signed up my Bluebird/Serve cards for this offer via Twitter, but when I look at the Saved Offers in my Bluebird/Serve login it’s not there!

We’ve noted before that the online Amex Offer tab with Bluebird/Serve isn’t entirely up to date. Hopefully, they’ll fix this eventually.

Can I still sign up my card for the Sams offer?

No, the offer is no longer available for signup.

Do I need to be a Sam’s Club member to order from

Yes, but they allow guests to get a 24-hour pass which they can use. (Once you use it once, you won’t be able to get another 24-hour pass with the same email address/account.) At checkout, they’ll give you the option of guest checkout and they’ll prompt you to enter your name, address, etc.

There is, however, a 10% fee that guest need to pay. For example, if you make a $20 purchase you’ll pay $22.

Do gift cards have the 10% surcharge as well?

Yes, all gift cards have the surcharge as well.

Any way around the 10% fee without buying membership?

Yes. If you have a friend or family member who will let you use their account, you can order by adding your credit card to their account (click ‘don’t save card info’ when adding the card) and putting in your address as the shipping address. As far as I know, this wouldn’t be against any rule or moral code.

Any ideas for someone who doesn’t have a friend who is a member?

There is another idea you can do if you’re comfortable with it: Sam’s doesn’t charge a 10% fee for residents of California, South Carolina, and Elmsford, NY. If you can produce an address from these areas and register you guest account with that address, you’ll have 24 hours to shop without a surcharge.

No need to have the orders shipped to California. So long as you registered with that address there’s no surcharge. Be careful, however, when placing orders to change the shipping address to your own.

Some people just used the address of a random hotel they found. I was more comfortable using the address of a friend; in case something goes wrong I have a backup. (One report indicates that they may be cracking down on this. We still need more data points to confirm this.)

I created my account using my ordinary address. Now I switched over my address to CA, but the 10% surcharge is still showing. Why?

It appears that the surcharge is dependent on the original address and changing it won’t help. Not that this makes tons of sense, that’s just the way it is.

That sounds like an awesome hack. Any reason I should buy membership and not use that hack?

  • If you don’t have any CA address that you can use and you have many registered Amex cards.
  • If want to buy e-gift cards you need to be a real member, see What to Buy below.
  • If you plan on buying Sams gift cards and then using those in-store at Sams then you’ll need a membership to get in.
  • Many of the gift card options are sold out online. With membership you should be able to find some good options in-store.
  • If you like being normal…

How much does membership cost?

You can also add a second household member free.

Any way to get membership cheaper?

Here’s a few different ideas:

  • There was a Groupon deal which gave an added $20 Sams gift card (among other benefits) when paying the $45 membership fee. Since this $20 Sams deal is around for a while (until 9/30/15), it could make sense to wait a month or two and see if another deal comes up on Groupon or elsewhere.
  • There’s a special deal for military members and their families.
  • There’s currently a refer-a-friend program running which will give the referrer and the referee a $10 Sam’s gift card for becoming a member, details here.
  • There’s an offer you can find in your Discover account to get a $10-25 gift card for signing up or renewing a Sam’s membership in-club, details here.
  • You can also buy the membership with the Amex Offer to get it almost free, more details on this below.

What’s the best things to buy at Sams?

If you buy ordinary products there’ll be a shipping fee on many products. (Some products don’t have a shipping fee.) Additionally, it will be hard to get the charges to be exactly $20 each. Best bet is to buy gift cards.

Yeah, but won’t I be losing out on portal cashback if I buy gift cards?

Good point, you can get 4-5% cashback by going through a portal, and it’s highly unlikely that gift cards will trigger the cashback. That said, it may still be easier to just buy Sams gift cards in $40 or $50 increments (as explained below). You can then make larger orders of regular products and go through a portal for the extra cashback.

I believe you can use 4 gift cards per order plus 2 credit cards. So you should be able to make a $240 order and pay $200 with gift cards (4 x $50) and the last $40 split between 2 Amex cards.

Which gift cards should I buy?

There are three strategies here:

  • Buy Mastercard gift cards. A $50 card is on sale for $52.38. [Currently unavailable.] Other options include: $50 Amex gift card for $54.64, $100 Mastercard gift card for $103.88, $100 Visa gift card for $105.94, $100 Mastercard gift card for $105.38. The charge can be split between two Amex cards as we’ll outline below, see Checkout. The advantage of buying Visa/MC/Amex gift cards is that you can then use them anywhere. The disadvantage is that you are still paying a small purchase fee. [These cards have been working to load REDbird.]
  • Buy Sams gift cards. Originally, it was possible to buy Sam’s gift cards in $20 or $40 denominations. That is no longer possible and the lowest denomination is $50. This means that you’ll be adding $10 of your own money after putting 2 x $20 on your Amex cards (as outlined below). Sams gift cards can be used at Walmart as well or can be sold for around 90% of their value. If you shop in Walmart then buying Sams gift cards would be best since you’ll be getting the full $20 value from the offer.
  • Buy third-party gift cards at Sams. Interestingly, Sams actually sells many third-party gift cards at a slightly discounted rate. Some options include Southwest, Starbucks and lots of restaurant gift cards. Some restaurant gift cards are even 20% discounted, though most are just a few percent off. There’s also a current deal for a $50 Fandango e-gift card for $37.88.

There are rumors that the $45 Sams membership gifts function as ordinary Sam’s/Walmart gift card. This may be true. In any case, we’d recommend just buying the $50 denomination and taking the $5 hit so as not to get on Sam’s bad side.

I heard that Sam’s is charging a shipping fee for Sam’s gift cards and for Visa/MC/Amex gift cards?

I tried buying an e-gift card to a restaurant and the system didn’t let. What gives?

The system doesn’t allow guest-checkouts to buy e-gift cards, even within the 24-hour window of their temporary membership and even with adding a 10% surcharge. If you have real membership, you shouldn’t have a problem.

How fast will my gift card order ship?

The third-party gift cards (including Visa/Mastercard gift cards) and e-gift cards are being processed and shipped quickly, within a day or two. Sam’s gift cards were originally going slowly but may be going faster now.

The charge probably won’t post to your account from Sams until it ships and you won’t get the Offer credit appearing in the account until a day or two after it posts.

Can I buy a Sams e-gift card instead of a physical card?

No. While they do sell e-gift cards to other merchants, they don’t sell Sams e-gift cards.

I have an order of $19.99. Is there any filler item I can use to push me over $20?

There is a pen for $1.38 and a pack of pens for $1.78. Bear in mind that there’ll be a shipping fee for all items besides gift cards.

Is there any small gift cards I can buy as a filler?

The smallest seems to be

If I order gift cards, do they get mailed active or does it need to be activated?

The third party gift cards come preactivated (at least if these denominations that we are ordering). The Sam’s gift cards seem to be coming preactivated as well, although others report having to activate them via a link they received in an email. See this post from FreequentFlyer for exact details on how to go about activating the cards.

Will Sams make problems for multiple orders created on the same day? I have lots of Amex cards and just 24-hours to use them all!

If is any indication, I’m optimistic. They seem to be fine with many small order gift cards done on the same day. I’ve done 10 or so in one day. Of course, it could still depend how many Amex cards you have…

Some people had problems making tons of orders. We recommend doing 5-10 at a time and waiting a few days before doing more.

Do I really have to make 10 separate orders for my 10 Amex cards? No way to do it all in one order?

It’s been pointed out that Sams allows splitting an online purchase on two credit cards, so you can buy $40 of items and split the charge $20 and $20. Or buy a $50 Sams gift card and split the payment between two Amex cards.

I don’t see the split charge option anywhere?

Use the ‘Add card’ option to add two cards to your Sams account, ‘check’ both of the cards, then click ‘continue’. The system will produce a pop up asking you how you want to split the charge.

When I add my card the system blanks out on me?

Yeah, I had this problem a couple of times and so did many others. Just get back to your cart and re-add the card to your Sams account.

I have many Amex cards and some of the cards share the last 4-digits. How can I tell which card is which?

I recommend unchecking the ‘save this card’ option to make it less confusing.

[There’s another reason to do this since has been known to confuse two cards which had the same 4-digit ending. This happened to me and was confirmed by a few others.]

I added this offer to my Bluebird/Serve card. Do I need to have an extra $1 in the account for a temporary authorization?

No, they don’t do any temporary authorization, so you should be okay with $20 exactly.

Is there any way for me to split the $45 membership fee between 2 Amex cards?

Yes, here’s what to do: Attempt a purchase on (any purchase) and the system will add the $45 membership fee by default. Delete the item you had in the cart and just pay the $45 membership fee. This way the system will allow you to split the membership fee between two cards. I’d think that the membership purchase will count to trigger the offer credit.

Reader Input: Are there any other questions about the Amex Offer at Sams Club that we missed? Please comment below.

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